/* ==========================================================================
   Miháczi Anilla - Otthon és Pénzügy
   Design system + layout
   Paletta: #142143 / #ffaf00 / #e4e4e4 / #1a5d94
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. TOKENS
   -------------------------------------------------------------------------- */
:root {
  /* Színek */
  --ink:          #142143;   /* fő navy - a paletta alapszíne */
  --ink-deep:     #0b1330;   /* mélyebb navy, nagy felületekhez */
  --ink-mid:      #1f2f5c;
  --blue:         #1a5d94;   /* kiegészítő kék */
  --blue-deep:    #11225b;
  --blue-soft:    #dce6f2;
  --gold:         #ffaf00;   /* CSAK CTA és kiemelés */
  --gold-deep:    #e09a00;
  --gold-soft:    #fff6e0;

  --paper:        #ffffff;
  --paper-soft:   #f7f8fb;
  --paper-tint:   #eef1f6;
  --grey:         #e4e4e4;

  --text:         #16203c;
  --text-muted:   #5b6683;
  --text-invert:  #ffffff;
  --text-invert-muted: rgba(255, 255, 255, .68);

  --line:         rgba(20, 33, 67, .12);
  --line-strong:  rgba(20, 33, 67, .22);
  --line-invert:  rgba(255, 255, 255, .16);

  /* Tipográfia */
  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body:    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;

  --fs-eyebrow:  0.75rem;
  --fs-small:    0.875rem;
  --fs-body:     1rem;
  --fs-lead:     clamp(1.0625rem, 0.98rem + 0.4vw, 1.1875rem);
  --fs-h4:       clamp(1.0625rem, 1rem + 0.3vw, 1.1875rem);
  --fs-h3:       clamp(1.25rem, 1.12rem + 0.6vw, 1.5rem);
  --fs-h2:       clamp(1.75rem, 1.35rem + 1.7vw, 2.75rem);
  --fs-h1:       clamp(2.25rem, 1.5rem + 3.2vw, 4.125rem);
  --fs-stat:     clamp(1.75rem, 1.4rem + 1.4vw, 2.5rem);

  /* Ritmus */
  --sp-1:  .25rem;
  --sp-2:  .5rem;
  --sp-3:  .75rem;
  --sp-4:  1rem;
  --sp-5:  1.5rem;
  --sp-6:  2rem;
  --sp-7:  3rem;
  --sp-8:  4rem;
  --sp-9:  6rem;
  --section-y: clamp(4rem, 3rem + 5vw, 7.5rem);

  --wrap:   1240px;
  --wrap-n: 1080px;
  --gutter: clamp(1.25rem, 4vw, 3rem);

  --radius-sm: 4px;
  --radius:    8px;
  --radius-lg: 14px;

  --shadow-sm: 0 1px 2px rgba(11, 19, 48, .05), 0 2px 8px rgba(11, 19, 48, .04);
  --shadow:    0 2px 4px rgba(11, 19, 48, .04), 0 12px 32px rgba(11, 19, 48, .08);
  --shadow-lg: 0 4px 8px rgba(11, 19, 48, .05), 0 28px 64px rgba(11, 19, 48, .14);

  --ease: cubic-bezier(.22, .61, .36, 1);
  --header-h: 80px;
}

/* --------------------------------------------------------------------------
   2. RESET
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img, svg, video { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; color: inherit; }
a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.018em;
  margin: 0;
  text-wrap: balance;
}
h1 { font-size: var(--fs-h1); letter-spacing: -0.03em; }
h2 { font-size: var(--fs-h2); letter-spacing: -0.024em; }
h3 { font-size: var(--fs-h3); }
h4 { font-size: var(--fs-h4); }
p  { margin: 0; }

::selection { background: var(--gold); color: var(--ink); }

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}

/* --------------------------------------------------------------------------
   3. ALAP LAYOUT
   -------------------------------------------------------------------------- */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.wrap--narrow { max-width: var(--wrap-n); }

.section { padding-block: var(--section-y); }
.section--tint  { background: var(--paper-soft); }
.section--grey  { background: var(--paper-tint); }
.section--ink   { background: var(--ink); color: var(--text-invert); }
.section--ink h2, .section--ink h3 { color: var(--text-invert); }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: #fff;
  padding: 12px 20px;
  z-index: 999;
}
.skip-link:focus { left: 12px; top: 12px; }

/* --------------------------------------------------------------------------
   4. TIPOGRÁFIAI SEGÉDOSZTÁLYOK
   -------------------------------------------------------------------------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .625rem;
  font-family: var(--font-body);
  font-size: var(--fs-eyebrow);
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--blue);
  margin: 0 0 var(--sp-4);
}
.eyebrow::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--gold);
  flex: none;
}
.eyebrow--invert { color: var(--gold); }
.eyebrow--plain::before { display: none; }

.lead {
  font-size: var(--fs-lead);
  line-height: 1.7;
  color: var(--text-muted);
  max-width: 60ch;
}
.section--ink .lead { color: var(--text-invert-muted); }

.accent { color: var(--blue); }
.section--ink .accent { color: var(--gold); }

.section-head { max-width: 62ch; margin-bottom: var(--sp-7); }
.section-head p { margin-top: var(--sp-4); }

.section-head--split {
  max-width: none;
  display: grid;
  gap: var(--sp-5);
  align-items: end;
  grid-template-columns: 1fr;
}
@media (min-width: 900px) {
  .section-head--split { grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: var(--sp-8); }
  .section-head--split > :last-child { padding-bottom: .35rem; }
}

/* --------------------------------------------------------------------------
   5. GOMBOK
   -------------------------------------------------------------------------- */
.btn {
  --btn-bg: var(--ink);
  --btn-fg: #fff;
  --btn-bd: var(--ink);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .625rem;
  padding: .9375rem 1.625rem;
  font-family: var(--font-body);
  font-size: .9375rem;
  font-weight: 600;
  letter-spacing: .01em;
  line-height: 1.2;
  background: var(--btn-bg);
  color: var(--btn-fg);
  border: 1px solid var(--btn-bd);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: transform .25s var(--ease), background-color .2s var(--ease),
              color .2s var(--ease), border-color .2s var(--ease), box-shadow .25s var(--ease);
  text-align: center;
}
.btn svg { flex: none; transition: transform .25s var(--ease); }
.btn:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.btn:hover svg { transform: translateX(3px); }
.btn:active { transform: translateY(0); }

.btn--gold  { --btn-bg: var(--gold); --btn-fg: var(--ink); --btn-bd: var(--gold); }
.btn--gold:hover { --btn-bg: var(--gold-deep); --btn-bd: var(--gold-deep); }

.btn--ghost { --btn-bg: transparent; --btn-fg: var(--ink); --btn-bd: var(--line-strong); }
.btn--ghost:hover { --btn-bd: var(--ink); }

.btn--ghost-invert { --btn-bg: transparent; --btn-fg: #fff; --btn-bd: var(--line-invert); }
.btn--ghost-invert:hover { --btn-bg: rgba(255,255,255,.08); --btn-bd: rgba(255,255,255,.45); }

.btn--sm { padding: .6875rem 1.125rem; font-size: .875rem; }
.btn--block { width: 100%; }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  font-weight: 600;
  letter-spacing: .02em;
  color: var(--blue);
  padding-bottom: 2px;
  border-bottom: 1px solid transparent;
  transition: border-color .2s var(--ease), gap .2s var(--ease);
}
.link-arrow:hover { border-color: var(--gold); gap: .75rem; }

/* --------------------------------------------------------------------------
   6. HEADER
   -------------------------------------------------------------------------- */
.header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0);
  transition: background-color .35s var(--ease), box-shadow .35s var(--ease),
              border-color .35s var(--ease);
  border-bottom: 1px solid transparent;
}
.header__inner {
  height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-5);
  transition: height .35s var(--ease);
}
.header.is-stuck {
  background: rgba(255, 255, 255, .93);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom-color: var(--line);
  box-shadow: 0 1px 24px rgba(11, 19, 48, .06);
}
.header.is-stuck .header__inner { height: 68px; }

.brand { display: flex; flex-direction: column; gap: .2rem; flex: none; }
.brand__name {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  letter-spacing: .22em;
  line-height: 1;
  color: var(--ink);
  text-transform: uppercase;
}
.brand__sub {
  font-size: .5625rem;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--text-muted);
  line-height: 1;
}
.brand__name .dot { color: var(--gold); }

.nav { display: none; }
@media (min-width: 1180px) {
  .nav { display: flex; align-items: center; gap: 1.625rem; }
}
.nav a {
  position: relative;
  font-size: .9375rem;
  font-weight: 500;
  color: var(--text);
  padding-block: 6px;
  transition: color .2s var(--ease);
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0; bottom: 0;
  width: 100%;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s var(--ease);
}
.nav a:hover::after, .nav a.is-active::after { transform: scaleX(1); }

.header__cta { display: none; }
@media (min-width: 700px) { .header__cta { display: inline-flex; } }

.burger {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  background: transparent;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  cursor: pointer;
}
@media (min-width: 1180px) { .burger { display: none; } }
.burger span {
  display: block;
  position: relative;
  width: 18px; height: 1.5px;
  background: var(--ink);
  transition: background-color .2s var(--ease);
}
.burger span::before, .burger span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 18px; height: 1.5px;
  background: var(--ink);
  transition: transform .3s var(--ease);
}
.burger span::before { top: -6px; }
.burger span::after  { top: 6px; }
.burger[aria-expanded="true"] span { background: transparent; }
.burger[aria-expanded="true"] span::before { transform: translateY(6px) rotate(45deg); }
.burger[aria-expanded="true"] span::after  { transform: translateY(-6px) rotate(-45deg); }

/* Mobil menü */
.mobile-menu {
  position: fixed;
  inset: var(--header-h) 0 0 0;
  z-index: 99;
  background: var(--ink);
  color: #fff;
  padding: var(--sp-6) var(--gutter) var(--sp-8);
  overflow-y: auto;
  transform: translateY(-8px);
  opacity: 0;
  visibility: hidden;
  transition: opacity .3s var(--ease), transform .3s var(--ease), visibility .3s;
}
.mobile-menu.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
.mobile-menu ul { list-style: none; margin: 0 0 var(--sp-6); padding: 0; }
.mobile-menu li + li { border-top: 1px solid var(--line-invert); }
.mobile-menu a {
  display: block;
  padding: 1rem 0;
  font-family: var(--font-display);
  font-size: 1.375rem;
}
.mobile-menu__meta {
  margin-top: var(--sp-6);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line-invert);
  display: grid;
  gap: .5rem;
  font-size: .9375rem;
  color: var(--text-invert-muted);
}
body.no-scroll { overflow: hidden; }

/* --------------------------------------------------------------------------
   7. HERO
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  padding-top: calc(var(--header-h) + clamp(2.5rem, 5vw, 5rem));
  padding-bottom: clamp(3rem, 5vw, 5.5rem);
  background:
    radial-gradient(120% 90% at 92% 0%, rgba(26, 93, 148, .10) 0%, rgba(26, 93, 148, 0) 55%),
    linear-gradient(180deg, var(--paper-soft) 0%, var(--paper) 70%);
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -160px;
  top: -160px;
  width: 520px;
  height: 520px;
  border: 1px solid var(--line);
  border-radius: 50%;
  pointer-events: none;
}

.hero__grid {
  display: grid;
  gap: clamp(2.5rem, 5vw, 4rem);
  align-items: center;
  grid-template-columns: 1fr;
}
@media (min-width: 980px) {
  .hero__grid { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); }
}

.hero h1 { margin-bottom: var(--sp-5); }
.hero h1 em {
  font-style: italic;
  color: var(--blue);
}
.hero__lead { margin-bottom: var(--sp-6); max-width: 48ch; }

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
  margin-bottom: var(--sp-7);
}

.hero__trust {
  display: grid;
  gap: var(--sp-4) var(--sp-5);
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line);
}
.trust-item { display: flex; align-items: flex-start; gap: .6875rem; }
.trust-item svg { flex: none; margin-top: 2px; color: var(--blue); }
.trust-item strong {
  display: block;
  font-size: .8125rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--ink);
  line-height: 1.35;
}
.trust-item span { font-size: .8125rem; color: var(--text-muted); line-height: 1.4; }

/* Portré blokk */
.hero__figure { position: relative; }
.portrait {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--ink);
  box-shadow: var(--shadow-lg);
}
.portrait img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }

/* Képhely-helyettesítő: elegáns navy blokk, amíg nincs valódi fotó */
.img-ph {
  position: relative;
  width: 100%;
  height: 100%;
  background:
    linear-gradient(140deg, var(--ink-deep) 0%, var(--ink) 45%, var(--blue-deep) 100%);
}
.img-ph::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(100% 80% at 70% 20%, #000 0%, transparent 75%);
  -webkit-mask-image: radial-gradient(100% 80% at 70% 20%, #000 0%, transparent 75%);
}
.img-ph::after {
  content: attr(data-label);
  position: absolute;
  left: 50%; top: 50%;
  transform: translate(-50%, -50%);
  font-size: .6875rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: rgba(255,255,255,.42);
  text-align: center;
  width: 80%;
  line-height: 1.8;
}

.hero__badge {
  position: absolute;
  left: -1.25rem;
  bottom: 1.75rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: .9375rem 1.25rem;
  box-shadow: var(--shadow);
  max-width: 260px;
}
@media (max-width: 520px) { .hero__badge { left: .75rem; right: .75rem; max-width: none; } }
.hero__badge strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--ink);
  margin-bottom: .125rem;
}
.hero__badge span { font-size: .8125rem; color: var(--text-muted); line-height: 1.45; display: block; }

/* --------------------------------------------------------------------------
   8. LOGÓ / PARTNER SÁV
   -------------------------------------------------------------------------- */
.partner-bar {
  background: var(--ink);
  color: var(--text-invert);
  padding-block: var(--sp-5);
}
.partner-bar__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: var(--sp-4) var(--sp-7);
  text-align: center;
}
.partner-bar p {
  font-size: .8125rem;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--text-invert-muted);
}
.partner-bar strong { color: #fff; font-weight: 600; }

/* --------------------------------------------------------------------------
   9. SZOLGÁLTATÁS KÁRTYÁK
   -------------------------------------------------------------------------- */
.cards {
  display: grid;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .cards { grid-template-columns: repeat(4, 1fr); } }

.card {
  position: relative;
  background: var(--paper);
  padding: clamp(1.5rem, 2.4vw, 2.25rem);
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  transition: background-color .3s var(--ease);
}
.card::before {
  content: "";
  position: absolute;
  left: 0; top: 0;
  width: 100%; height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s var(--ease);
}
.card:hover { background: var(--paper-soft); }
.card:hover::before { transform: scaleX(1); }

.card__num {
  font-family: var(--font-display);
  font-size: .875rem;
  font-weight: 600;
  color: var(--gold-deep);
  letter-spacing: .08em;
}
.card__icon {
  width: 44px; height: 44px;
  display: grid;
  place-items: center;
  border-radius: var(--radius-sm);
  background: var(--blue-soft);
  color: var(--blue-deep);
  margin-bottom: var(--sp-2);
}
.card h3 { font-size: 1.1875rem; }
.card p { font-size: .9375rem; color: var(--text-muted); line-height: 1.6; }
.card .link-arrow { margin-top: auto; padding-top: var(--sp-3); }

.card--feature { background: var(--ink); color: var(--text-invert); }
.card--feature:hover { background: var(--ink-deep); }
.card--feature h3 { color: #fff; }
.card--feature p { color: var(--text-invert-muted); }
.card--feature .card__icon { background: rgba(255,255,255,.1); color: var(--gold); }
.card--feature .card__num { color: var(--gold); }
.card--feature .link-arrow { color: var(--gold); }

/* --------------------------------------------------------------------------
   10. RÓLAM
   -------------------------------------------------------------------------- */
.about__grid {
  display: grid;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: center;
  grid-template-columns: 1fr;
}
@media (min-width: 960px) {
  .about__grid { grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); }
}
.about__figure {
  position: relative;
  aspect-ratio: 3 / 4;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--ink);
}
.about__figure img { width: 100%; height: 100%; object-fit: cover; }

.quote {
  position: relative;
  margin: var(--sp-5) 0 0;
  padding-left: var(--sp-5);
  border-left: 2px solid var(--gold);
  font-family: var(--font-display);
  font-size: clamp(1.125rem, 1rem + .6vw, 1.4375rem);
  font-style: italic;
  line-height: 1.45;
  color: var(--ink);
}
.quote cite {
  display: block;
  margin-top: var(--sp-3);
  font-family: var(--font-body);
  font-size: .75rem;
  font-style: normal;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.about__body p + p { margin-top: var(--sp-4); }

.pillars {
  display: grid;
  gap: var(--sp-4);
  margin-top: var(--sp-6);
  grid-template-columns: 1fr;
}
@media (min-width: 560px) { .pillars { grid-template-columns: repeat(2, 1fr); } }
.pillar {
  padding: var(--sp-4) var(--sp-5);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
}
.section--tint .pillar { background: var(--paper); }
.pillar strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.0625rem;
  color: var(--ink);
  margin-bottom: .25rem;
}
.pillar span { font-size: .875rem; color: var(--text-muted); line-height: 1.55; }

/* --------------------------------------------------------------------------
   11. PÉNZÜGYI MEGOLDÁSOK (kiemelt, sötét)
   -------------------------------------------------------------------------- */
.finance {
  position: relative;
  background:
    radial-gradient(90% 70% at 85% 10%, rgba(26,93,148,.30) 0%, transparent 60%),
    var(--ink);
  color: var(--text-invert);
  overflow: hidden;
}
.finance::before {
  content: "";
  position: absolute;
  left: -220px; bottom: -220px;
  width: 620px; height: 620px;
  border: 1px solid rgba(255,255,255,.07);
  border-radius: 50%;
}
.finance .lead { color: var(--text-invert-muted); }

.prod-grid {
  display: grid;
  gap: 1px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius);
  overflow: hidden;
  grid-template-columns: 1fr;
  position: relative;
}
@media (min-width: 620px) { .prod-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .prod-grid { grid-template-columns: repeat(3, 1fr); } }

.prod {
  background: var(--ink);
  padding: clamp(1.375rem, 2vw, 1.875rem);
  display: flex;
  flex-direction: column;
  gap: .5rem;
  transition: background-color .3s var(--ease);
}
.prod:hover { background: #18274f; }
.prod__tag {
  font-size: .625rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gold);
}
.prod h3 { font-size: 1.125rem; color: #fff; }
.prod p { font-size: .875rem; color: var(--text-invert-muted); line-height: 1.6; }

.finance__note {
  margin-top: var(--sp-6);
  padding: var(--sp-5);
  border: 1px solid rgba(255,255,255,.14);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.03);
  font-size: .875rem;
  color: var(--text-invert-muted);
  line-height: 1.65;
  position: relative;
}
.finance__note strong { color: #fff; }

/* --------------------------------------------------------------------------
   12. ÚJÉPÍTÉSŰ PROJEKTEK
   -------------------------------------------------------------------------- */
.projects { display: grid; gap: var(--sp-5); grid-template-columns: 1fr; }
@media (min-width: 700px)  { .projects { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .projects { grid-template-columns: repeat(3, 1fr); } }

.project {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s var(--ease);
}
.project:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: var(--line-strong);
}
.project__media { position: relative; aspect-ratio: 16 / 10; background: var(--ink); }
.project__media img { width: 100%; height: 100%; object-fit: cover; }
.project__tag {
  position: absolute;
  left: .875rem; top: .875rem;
  background: var(--gold);
  color: var(--ink);
  font-size: .625rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: .375rem .625rem;
  border-radius: 3px;
}
.project__tag--blue { background: var(--blue); color: #fff; }
.project__body { padding: var(--sp-5); display: flex; flex-direction: column; gap: var(--sp-3); flex: 1; }
.project h3 { font-size: 1.1875rem; }
.project__loc { font-size: .8125rem; color: var(--text-muted); }
.project__specs {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-2) var(--sp-5);
  padding-top: var(--sp-3);
  margin-top: auto;
  border-top: 1px solid var(--line);
  font-size: .8125rem;
  color: var(--text-muted);
}
.project__specs span { display: inline-flex; align-items: center; gap: .4375rem; }
.project__specs svg { color: var(--blue); flex: none; }

.projects-cta {
  margin-top: var(--sp-6);
  padding: var(--sp-6);
  border: 1px dashed var(--line-strong);
  border-radius: var(--radius);
  background: var(--paper);
  display: grid;
  gap: var(--sp-4);
  align-items: center;
  text-align: center;
  justify-items: center;
}
@media (min-width: 860px) {
  .projects-cta { grid-template-columns: 1fr auto; text-align: left; justify-items: start; }
}
.projects-cta h3 { font-size: 1.25rem; margin-bottom: .25rem; }
.projects-cta p { font-size: .9375rem; color: var(--text-muted); }

/* --------------------------------------------------------------------------
   13. FOLYAMAT
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  gap: var(--sp-5);
  grid-template-columns: 1fr;
  counter-reset: step;
}
@media (min-width: 620px)  { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .steps { grid-template-columns: repeat(4, 1fr); } }

.step { position: relative; padding-top: var(--sp-5); border-top: 2px solid var(--line); }
.step::before {
  content: "";
  position: absolute;
  left: 0; top: -2px;
  width: 36px; height: 2px;
  background: var(--gold);
}
.step__num {
  font-family: var(--font-display);
  font-size: 2.25rem;
  font-weight: 600;
  line-height: 1;
  color: var(--blue-soft);
  display: block;
  margin-bottom: var(--sp-3);
}
.step h3 { font-size: 1.0625rem; margin-bottom: .5rem; }
.step p { font-size: .875rem; color: var(--text-muted); line-height: 1.6; }

/* --------------------------------------------------------------------------
   14. MIÉRT VELEM (bizalom - referencia helyett)
   -------------------------------------------------------------------------- */
.why {
  display: grid;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  grid-template-columns: 1fr;
}
@media (min-width: 700px)  { .why { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .why { grid-template-columns: repeat(3, 1fr); } }
.why__item {
  background: var(--paper);
  padding: clamp(1.5rem, 2.4vw, 2.125rem);
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
}
.why__item svg { color: var(--gold-deep); margin-bottom: var(--sp-2); }
.why__item h3 { font-size: 1.0625rem; }
.why__item p { font-size: .875rem; color: var(--text-muted); line-height: 1.65; }

/* --------------------------------------------------------------------------
   15. GYIK
   -------------------------------------------------------------------------- */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--sp-4);
  padding: 1.375rem 0;
  background: none;
  border: 0;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: clamp(1.0625rem, 1rem + .3vw, 1.1875rem);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.35;
  transition: color .2s var(--ease);
}
.faq__q:hover { color: var(--blue); }
.faq__icon {
  flex: none;
  width: 26px; height: 26px;
  position: relative;
  margin-top: 2px;
  border: 1px solid var(--line-strong);
  border-radius: 50%;
  transition: background-color .25s var(--ease), border-color .25s var(--ease);
}
.faq__icon::before, .faq__icon::after {
  content: "";
  position: absolute;
  left: 50%; top: 50%;
  background: var(--ink);
  transition: transform .3s var(--ease), background-color .25s var(--ease);
}
.faq__icon::before { width: 11px; height: 1.5px; transform: translate(-50%, -50%); }
.faq__icon::after  { width: 1.5px; height: 11px; transform: translate(-50%, -50%); }
.faq__q[aria-expanded="true"] .faq__icon { background: var(--gold); border-color: var(--gold); }
.faq__q[aria-expanded="true"] .faq__icon::after { transform: translate(-50%, -50%) scaleY(0); }

.faq__a {
  overflow: hidden;
  max-height: 0;
  transition: max-height .4s var(--ease);
}
.faq__a > div {
  padding: 0 3.5rem 1.5rem 0;
  font-size: .9375rem;
  color: var(--text-muted);
  line-height: 1.7;
}
.faq__a p + p { margin-top: var(--sp-3); }

/* --------------------------------------------------------------------------
   16. KAPCSOLAT / ŰRLAP
   -------------------------------------------------------------------------- */
.contact {
  background: var(--ink);
  color: var(--text-invert);
  position: relative;
  overflow: hidden;
}
.contact::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(70% 60% at 15% 100%, rgba(26,93,148,.35) 0%, transparent 60%);
  pointer-events: none;
}
.contact__grid {
  position: relative;
  display: grid;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 980px) {
  .contact__grid { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); }
}
.contact .lead { color: var(--text-invert-muted); }

.contact__list { list-style: none; margin: var(--sp-6) 0 0; padding: 0; display: grid; gap: var(--sp-4); }
.contact__list li { display: flex; gap: var(--sp-4); align-items: flex-start; }
.contact__list svg { flex: none; color: var(--gold); margin-top: 3px; }
.contact__list span {
  display: block;
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--text-invert-muted);
  margin-bottom: .125rem;
}
.contact__list a, .contact__list p { font-size: 1.0625rem; color: #fff; }
.contact__list a { border-bottom: 1px solid transparent; transition: border-color .2s var(--ease); }
.contact__list a:hover { border-bottom-color: var(--gold); }

.socials { display: flex; gap: var(--sp-3); margin-top: var(--sp-6); }
.socials a {
  width: 42px; height: 42px;
  display: grid;
  place-items: center;
  border: 1px solid var(--line-invert);
  border-radius: var(--radius-sm);
  color: #fff;
  transition: background-color .25s var(--ease), border-color .25s var(--ease), transform .25s var(--ease);
}
.socials a:hover { background: var(--gold); border-color: var(--gold); color: var(--ink); transform: translateY(-2px); }

/* Form */
.form {
  background: var(--paper);
  color: var(--text);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.5rem);
  box-shadow: var(--shadow-lg);
}
.form__head { margin-bottom: var(--sp-5); padding-bottom: var(--sp-5); border-bottom: 1px solid var(--line); }
.form__head h3 { font-size: 1.375rem; margin-bottom: .375rem; }
.form__head p { font-size: .875rem; color: var(--text-muted); }

.field-row { display: grid; gap: var(--sp-4); grid-template-columns: 1fr; }
@media (min-width: 560px) { .field-row { grid-template-columns: repeat(2, 1fr); } }

.field { display: flex; flex-direction: column; gap: .375rem; margin-bottom: var(--sp-4); }
.field label {
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--ink);
}
.field label .req { color: var(--gold-deep); }
.field input, .field select, .field textarea {
  width: 100%;
  padding: .8125rem .9375rem;
  font-size: .9375rem;
  background: var(--paper-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  transition: border-color .2s var(--ease), background-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field textarea { resize: vertical; min-height: 110px; line-height: 1.6; }
.field select {
  appearance: none;
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%235b6683' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  background: var(--paper);
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26, 93, 148, .12);
}
.field input:invalid:not(:placeholder-shown),
.field textarea:invalid:not(:placeholder-shown) { border-color: #c0392b; }

.checkbox {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  margin: var(--sp-2) 0 var(--sp-5);
  font-size: .8125rem;
  color: var(--text-muted);
  line-height: 1.55;
  cursor: pointer;
}
.checkbox input {
  flex: none;
  width: 18px; height: 18px;
  margin-top: 1px;
  accent-color: var(--blue);
  cursor: pointer;
}
.checkbox a { color: var(--blue); border-bottom: 1px solid var(--line-strong); }

.form__footer { display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-4); }
.form__footer small { font-size: .75rem; color: var(--text-muted); }

.form-status {
  margin-top: var(--sp-4);
  padding: .875rem 1rem;
  border-radius: var(--radius-sm);
  font-size: .875rem;
  line-height: 1.5;
  display: none;
}
.form-status.is-visible { display: block; }
.form-status.is-ok   { background: #e9f6ee; border: 1px solid #b7e0c6; color: #1d6b39; }
.form-status.is-err  { background: #fdecea; border: 1px solid #f5c2bd; color: #a32b1c; }

.hp { position: absolute !important; left: -9999px !important; opacity: 0; height: 0; width: 0; }

/* --------------------------------------------------------------------------
   17. FOOTER
   -------------------------------------------------------------------------- */
.footer {
  background: var(--ink-deep);
  color: var(--text-invert-muted);
  padding-block: var(--sp-8) var(--sp-5);
  font-size: .875rem;
}
.footer__top {
  display: grid;
  gap: var(--sp-6);
  grid-template-columns: 1fr;
  padding-bottom: var(--sp-6);
  border-bottom: 1px solid var(--line-invert);
}
@media (min-width: 820px) {
  .footer__top { grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 1fr)); gap: var(--sp-7); }
}
.footer .brand__name { color: #fff; }
.footer .brand__sub  { color: var(--text-invert-muted); }
.footer__tag { margin-top: var(--sp-4); max-width: 38ch; line-height: 1.65; }

.footer h4 {
  font-family: var(--font-body);
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: var(--sp-4);
}
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .625rem; }
.footer ul a { transition: color .2s var(--ease); }
.footer ul a:hover { color: var(--gold); }

.footer__bottom {
  padding-top: var(--sp-5);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3) var(--sp-5);
  justify-content: space-between;
  align-items: center;
  font-size: .8125rem;
}
.footer__legal { display: flex; flex-wrap: wrap; gap: var(--sp-4); }
.footer__legal a:hover { color: var(--gold); }

.footer__disclaimer {
  margin-top: var(--sp-5);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line-invert);
  font-size: .75rem;
  line-height: 1.6;
  color: rgba(255,255,255,.5);
  max-width: 85ch;
}

/* --------------------------------------------------------------------------
   18. SCROLL REVEAL
   -------------------------------------------------------------------------- */
/* Alapból látható - ha a JS nem fut le, az oldal akkor is teljes.
   A rejtést csak a .js osztály kapcsolja be (lásd index.html fejléc). */
.reveal { opacity: 1; transform: none; }

.js .reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.js .reveal.is-in { opacity: 1; transform: none; }
.js .reveal[data-delay="1"] { transition-delay: .08s; }
.js .reveal[data-delay="2"] { transition-delay: .16s; }
.js .reveal[data-delay="3"] { transition-delay: .24s; }
.js .reveal[data-delay="4"] { transition-delay: .32s; }

@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; }
}

/* --------------------------------------------------------------------------
   19. NYOMTATÁS
   -------------------------------------------------------------------------- */
@media print {
  .header, .mobile-menu, .burger, .hero__actions, .form { display: none !important; }
  body { color: #000; }
  .section--ink, .contact, .finance, .footer { background: #fff !important; color: #000 !important; }
}

/* --------------------------------------------------------------------------
   KÉPHELYEK
   A placeholder (.img-ph) alul van, a valódi kép ráfekszik.
   Ha a képfájl hiányzik, az <img> onerror-ral eltűnik és a placeholder marad.
   Egyszerűen tedd be a képet az img/ mappába a megfelelő névvel.
   -------------------------------------------------------------------------- */
.portrait > img,
.about__figure > img,
.project__media > img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.portrait > img { object-position: center top; }

/* --------------------------------------------------------------------------
   20. HITELKALKULÁTOR
   -------------------------------------------------------------------------- */
.calc {
  display: grid;
  gap: var(--sp-5);
  grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 900px) {
  .calc { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: var(--sp-6); }
}

.calc__inputs {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  display: grid;
  gap: var(--sp-6);
}

.calc__label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--sp-4);
  margin-bottom: .75rem;
}
.calc__label label {
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.calc__label output {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.calc__hint {
  margin-top: .625rem;
  font-size: .75rem;
  line-height: 1.55;
  color: var(--text-muted);
}
.calc__hint.is-warn { color: #a8560f; font-weight: 500; }

/* csúszka */
.calc input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  outline: none;
  cursor: pointer;
  --fill: 0%;
  background: linear-gradient(to right,
    var(--gold) 0%, var(--gold) var(--fill),
    var(--paper-tint) var(--fill), var(--paper-tint) 100%);
}
.calc input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--paper);
  box-shadow: 0 1px 6px rgba(11,19,48,.28);
  cursor: grab;
  transition: transform .15s var(--ease);
}
.calc input[type="range"]::-webkit-slider-thumb:active { transform: scale(1.12); cursor: grabbing; }
.calc input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--paper);
  box-shadow: 0 1px 6px rgba(11,19,48,.28);
  cursor: grab;
}
.calc input[type="range"]::-moz-range-track { height: 4px; border-radius: 2px; background: transparent; }
.calc input[type="range"]:focus-visible { outline: 2px solid var(--blue); outline-offset: 6px; }

/* eredmény panel */
.calc__result {
  background: var(--ink);
  color: var(--text-invert);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.25rem);
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: calc(var(--header-h) + 16px);
}
@media (max-width: 899px) { .calc__result { position: static; } }

.calc__result-label {
  font-size: .6875rem;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--text-invert-muted);
}
.calc__big {
  font-family: var(--font-display);
  font-size: clamp(2rem, 1.5rem + 2.2vw, 2.875rem);
  font-weight: 600;
  line-height: 1.05;
  letter-spacing: -.02em;
  color: var(--gold);
  font-variant-numeric: tabular-nums;
  margin: .375rem 0 var(--sp-5);
}

.calc__rows { margin: 0 0 var(--sp-5); padding: 0; display: grid; gap: .875rem; }
.calc__rows > div {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: var(--sp-4);
  padding-bottom: .875rem;
  border-bottom: 1px solid var(--line-invert);
}
.calc__rows > div:last-child { border-bottom: 0; padding-bottom: 0; }
.calc__rows dt { font-size: .875rem; color: var(--text-invert-muted); margin: 0; }
.calc__rows dd {
  margin: 0;
  font-size: 1rem;
  font-weight: 600;
  color: #fff;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.calc__warn {
  margin-bottom: var(--sp-4);
  padding: .8125rem 1rem;
  border-radius: var(--radius-sm);
  background: rgba(255, 175, 0, .12);
  border: 1px solid rgba(255, 175, 0, .35);
  font-size: .8125rem;
  line-height: 1.55;
  color: #ffd98a;
}

.calc__disclaimer {
  margin-top: var(--sp-4);
  font-size: .6875rem;
  line-height: 1.6;
  color: rgba(255,255,255,.5);
}

/* --------------------------------------------------------------------------
   21. JOGI ALOLDALAK (adatkezelés, impresszum)
   -------------------------------------------------------------------------- */
.legal-header {
  background: var(--ink);
  color: #fff;
  padding-block: var(--sp-5);
}
.legal-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-5);
  flex-wrap: wrap;
}
.legal-header .brand__name { color: #fff; }
.legal-header .brand__sub  { color: var(--text-invert-muted); }

.legal { padding-block: var(--section-y) var(--sp-8); }
.legal__body { max-width: 68ch; }
.legal__body h2 {
  font-size: clamp(1.25rem, 1.1rem + .6vw, 1.5rem);
  margin: var(--sp-7) 0 var(--sp-3);
  padding-top: var(--sp-5);
  border-top: 1px solid var(--line);
}
.legal__body h2:first-of-type { border-top: 0; padding-top: 0; margin-top: var(--sp-6); }
.legal__body h3 { font-size: 1.0625rem; margin: var(--sp-5) 0 var(--sp-2); }
.legal__body p, .legal__body li { color: var(--text-muted); line-height: 1.75; }
.legal__body p + p { margin-top: var(--sp-3); }
.legal__body ul, .legal__body ol { margin: var(--sp-3) 0; padding-left: 1.25rem; display: grid; gap: .5rem; }
.legal__body a { color: var(--blue); border-bottom: 1px solid var(--line-strong); }
.legal__body strong { color: var(--ink); }

.legal__updated {
  font-size: .8125rem;
  color: var(--text-muted);
  padding: .75rem 1rem;
  background: var(--paper-soft);
  border-left: 3px solid var(--line-strong);
  border-radius: var(--radius-sm);
  margin-bottom: var(--sp-6);
}

/* Kitöltendő helyek - éles indulás előtt egyiknek sem szabad maradnia */
.fill {
  background: var(--gold-soft);
  border-bottom: 2px solid var(--gold);
  padding: 1px 5px;
  border-radius: 2px;
  font-weight: 600;
  color: var(--ink);
  white-space: nowrap;
}

.legal__box {
  margin: var(--sp-6) 0;
  padding: var(--sp-5);
  border: 1px solid var(--line);
  border-left: 3px solid var(--blue);
  border-radius: var(--radius-sm);
  background: var(--paper-soft);
}
.legal__box h3 { margin-top: 0; }

.legal__data { display: grid; gap: .875rem; margin: var(--sp-5) 0; }
.legal__data > div {
  display: grid;
  gap: .125rem .875rem;
  padding-bottom: .875rem;
  border-bottom: 1px solid var(--line);
}
@media (min-width: 560px) { .legal__data > div { grid-template-columns: 220px 1fr; } }
.legal__data dt {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.legal__data dd { margin: 0; color: var(--text); }